I am recently taken a Bharat HDFC credit Card 3month before. they call for payment if we get late for some reason, they talk like uneducated and very bad language. my uncle died in last month so I was suffering from it. I told them about it. and I when I will back to office I will make payment. but the tlecaller was talking like rubbish. they haven’t any sense how to talk with someone of with costumer. so please don’t take any creadit card from HDFC